What is the cost of living in Tracy, CA?
According to the most recent data on the cost of living, Tracy has an overall cost of living index of 153, which is 1.5x higher than the national index of 100.
Compared to California, Tracy has a cost of living index that's 1.1x higher than California's index of 142.
The standard of living in Tracy ranks as #323 most affordable out of the 634 places we measured in California. By definition, that implies Tracy ranks as the #311 most expensive place in the Golden State.
For more reading on life in Tracy, check out:
Tracy Cost Of Living Vs. California
Six factors go into calculating the cost of living index in Tracy. Here is how it fares on each of the criteria:
The Services index in Tracy is 115.
The Groceries index in Tracy is 115.
The Health index in Tracy is 244.
The Housing index in Tracy is 120.
The Transportation index in Tracy is 115.
The Utilities index in Tracy is 119.
| Living Expense | Tracy | California | National Average |
|---|---|---|---|
| Overall | 153 | 142 | 100 |
| Services | 115 | 110 | 100 |
| Groceries | 115 | 118 | 100 |
| Health | 244 | 197 | 100 |
| Housing | 120 | 120 | 100 |
| Transportation | 115 | 121 | 100 |
| Utilities | 119 | 121 | 100 |
Tracy Cost Of Living Compared To California Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around California, check out:
Protect your home budget Compare home warranties in Tracy Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Tracy, CA Housing Cost Breakdown
Housing swings affordability the most between places in California, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Tracy is $696,046.
The Median Rent in Tracy is $2,478.
The Median Income in Tracy is $121,119.
The Home Value To Income in Tracy is 5.7x.
The Rent To Monthly Income in Tracy is 0.25x.
| Statistic | Tracy | California | United States |
|---|---|---|---|
| Median Home Value | $696,046 | $774,581 | $332,700 |
| Median Rent | $2,478 | $2,036 | $1,413 |
| Median Income | $121,119 | $99,122 | $80,734 |
| Home Value To Income | 5.7x | 7.8x | 4.1x |
| Rent To Monthly Income | 0.25x | 0.25x | 0.21x |
Tracy, CA Costs By Category
Detailed Tracy Services costs vs. California
| Item | Tracy | California |
|---|---|---|
| Shampoo | $1.5 | $1.28 |
| Movie | $13.61 | $12.13 |
| Bowling | $22.34 | $18 |
| Haircut | $23.42 | $24.26 |
| Beauty Salon | $49.62 | $45.56 |
Detailed Tracy Groceries costs vs. California
| Item | Tracy | California |
|---|---|---|
| Ground Beef | $6.24 | $5.84 |
| Fried Chicken | $2.1 | $1.57 |
| Milk | $4.83 | $4.67 |
| Potatoes | $4.43 | $4.93 |
| Pizza | $16.78 | $12.09 |
| Beer | $10.08 | $10.41 |
| Toothpaste | $3.64 | $3.7 |
Detailed Tracy Health costs vs. California
| Item | Tracy | California |
|---|---|---|
| Optometrist | $138.22 | $125.68 |
| Doctor | $134.39 | $135.78 |
| Dentist | $117.52 | $113.29 |
Detailed Tracy Transportation costs vs. California
| Item | Tracy | California |
|---|---|---|
| Gasoline | $4.21 | $3.46 |
| Tire Balancing | $73.1 | $59.92 |
Detailed Tracy Utilities costs vs. California
| Item | Tracy | California |
|---|---|---|
| All Electricity | $327.22 | $193.99 |
| Phone | $189.16 | $192.25 |
Tracy SnackAbility
Cost Of Living In Cities Around Tracy
The cost of living varies in the cities and towns around Tracy. Here's a quick look at the cost of living in the most populous nearby places:
Stockton, CA has a cost of living index of 126, 0.8x Tracy.
Manteca, CA has a cost of living index of 144, 0.9x Tracy.
Livermore, CA has a cost of living index of 199, 1.3x Tracy.
| City | Population | Cost Of Living | Vs. Tracy |
|---|---|---|---|
| Stockton, CA | 322,326 | 126 | 0.8x |
| Manteca, CA | 89,043 | 144 | 0.9x |
| Livermore, CA | 85,522 | 199 | 1.3x |
| Lathrop, CA | 35,052 | 141 | 0.9x |
| Mountain House, CA | 25,513 | 182 | 1.2x |
| Ripon, CA | 16,201 | 152 | 1.0x |
| Discovery Bay, CA | 14,911 | 180 | 1.2x |
| Salida, CA | 13,900 | 136 | 0.9x |
| Country Club, CA | 10,161 | 125 | 0.8x |
